(BPOP) Popular - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: PR7331747001
Stock: Deposits, Loans, Cards, Leasing, Insurance
Total Rating 59
Risk 70
Buy Signal 0.29
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.70% |
| Yield on Cost 5y | 5.37% |
| Yield CAGR 5y | 13.46% |
| Payout Consistency | 80.6% |
| Payout Ratio | 19.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 27.8% |
| Relative Tail Risk | -8.53% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.30 |
| Alpha | 32.43 |
| Character TTM | |
|---|---|
| Beta | 0.882 |
| Beta Downside | 1.102 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.65% |
| CAGR/Max DD | 1.08 |
Description: BPOP Popular January 08, 2026
Popular, Inc. (NASDAQ:BPOP) operates a diversified banking platform across Puerto Rico, the United States, and the British Virgin Islands, offering a full suite of retail, mortgage, and commercial banking products-including interest-bearing accounts, a wide range of loan types, lease financing, investment-banking services, and digital banking channels.
Key data points to note: as of the latest quarter, BPOP reported a net interest margin of ~3.2%, modestly above the regional-bank average of 2.9%; loan growth in Puerto Rico accelerated 7% YoY, driven by a rebound in residential mortgage originations as the island’s construction activity recovers post-hurricane. The bank’s loan-to-deposit ratio sits near 85%, indicating a balanced funding profile, while its CET1 capital ratio remains comfortably above the 10% regulatory minimum, providing a buffer against potential credit-risk headwinds.
For a deeper quantitative dive, you might explore ValueRay’s analytical tools to benchmark Popular’s performance against peers and assess the sensitivity of its earnings to macro-economic variables such as U.S. interest-rate shifts and Puerto Rico’s GDP growth trajectory.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 833.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.16 > 1.0 |
| NWC/Revenue: -510.7% < 20% (prev -971.4%; Δ 460.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 809.5m > Net Income 833.2m |
| Net Debt (1.45b) to EBITDA (1.05b): 1.38 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (66.0m) vs 12m ago -6.66% < -2% |
| Gross Margin: 65.31% > 18% (prev 0.61%; Δ 6470 % > 0.5%) |
| Asset Turnover: 5.84% > 50% (prev 5.74%; Δ 0.10% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBITDA TTM 1.05b / Interest Expense TTM 1.24b) |
Altman Z'' -1.57
| A: -0.29 (Total Current Assets 5.41b - Total Current Liabilities 27.52b) / Total Assets 75.35b |
| B: 0.07 (Retained Earnings 5.21b / Total Assets 75.35b) |
| C: 0.01 (EBIT TTM 728.2m / Avg Total Assets 74.20b) |
| D: 0.06 (Book Value of Equity 4.03b / Total Liabilities 69.10b) |
| Altman-Z'' Score: -1.57 = D |
What is the price of BPOP shares?
As of February 07, 2026, the stock is trading at USD 145.97 with a total of 746,481 shares traded.
Over the past week, the price has changed by +9.32%, over one month by +12.54%, over three months by +30.38% and over the past year by +44.63%.
Over the past week, the price has changed by +9.32%, over one month by +12.54%, over three months by +30.38% and over the past year by +44.63%.
Is BPOP a buy, sell or hold?
Popular has received a consensus analysts rating of 4.11.
Therefore, it is recommended to buy BPOP.
- StrongBuy: 3
- Buy: 4
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BPOP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 154 | 5.5% |
| Analysts Target Price | 154 | 5.5% |
| ValueRay Target Price | 187.6 | 28.5% |
BPOP Fundamental Data Overview January 31, 2026
P/E Trailing = 10.8333
P/E Forward = 9.7752
P/S = 3.0229
P/B = 1.4063
P/EG = 1.75
Revenue TTM = 4.33b USD
EBIT TTM = 728.2m USD
EBITDA TTM = 1.05b USD
Long Term Debt = 790.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 689.0m USD (from shortTermDebt, last quarter)
Debt = 1.45b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.45b USD (from netDebt column, last quarter)
Enterprise Value = 10.33b USD (8.88b + Debt 1.45b - (null CCE))
Interest Coverage Ratio = 0.59 (Ebit TTM 728.2m / Interest Expense TTM 1.24b)
EV/FCF = 17.25x (Enterprise Value 10.33b / FCF TTM 599.1m)
FCF Yield = 5.80% (FCF TTM 599.1m / Enterprise Value 10.33b)
FCF Margin = 13.84% (FCF TTM 599.1m / Revenue TTM 4.33b)
Net Margin = 19.24% (Net Income TTM 833.2m / Revenue TTM 4.33b)
Gross Margin = 65.31% ((Revenue TTM 4.33b - Cost of Revenue TTM 1.50b) / Revenue TTM)
Gross Margin QoQ = 67.09% (prev 64.05%)
Tobins Q-Ratio = 0.14 (Enterprise Value 10.33b / Total Assets 75.35b)
Interest Expense / Debt = 20.57% (Interest Expense 297.9m / Debt 1.45b)
Taxrate = 16.05% (44.7m / 278.6m)
NOPAT = 611.3m (EBIT 728.2m * (1 - 16.05%))
Current Ratio = 0.20 (Total Current Assets 5.41b / Total Current Liabilities 27.52b)
Debt / Equity = 0.23 (Debt 1.45b / totalStockholderEquity, last quarter 6.25b)
Debt / EBITDA = 1.38 (Net Debt 1.45b / EBITDA 1.05b)
Debt / FCF = 2.42 (Net Debt 1.45b / FCF TTM 599.1m)
Total Stockholder Equity = 6.03b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.12% (Net Income 833.2m / Total Assets 75.35b)
RoE = 13.82% (Net Income TTM 833.2m / Total Stockholder Equity 6.03b)
RoCE = 10.68% (EBIT 728.2m / Capital Employed (Equity 6.03b + L.T.Debt 790.0m))
RoIC = 8.58% (NOPAT 611.3m / Invested Capital 7.13b)
WACC = 10.30% (E(8.88b)/V(10.33b) * Re(9.16%) + D(1.45b)/V(10.33b) * Rd(20.57%) * (1-Tc(0.16)))
Discount Rate = 9.16% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.16%
[DCF Debug] Terminal Value 68.67% ; FCFF base≈544.0m ; Y1≈503.6m ; Y5≈457.1m
Fair Price DCF = 64.28 (EV 5.67b - Net Debt 1.45b = Equity 4.22b / Shares 65.7m; r=10.30% [WACC]; 5y FCF grow -9.35% → 2.90% )
EPS Correlation: -1.56 | EPS CAGR: 6.41% | SUE: 1.93 | # QB: 5
Revenue Correlation: 81.46 | Revenue CAGR: 15.57% | SUE: 2.38 | # QB: 1
EPS next Quarter (2026-03-31): EPS=3.20 | Chg30d=+0.280 | Revisions Net=+0 | Analysts=5
EPS current Year (2026-12-31): EPS=14.11 | Chg30d=+0.668 | Revisions Net=+2 | Growth EPS=+15.9% | Growth Revenue=+7.6%
EPS next Year (2027-12-31): EPS=15.92 | Chg30d=+0.558 | Revisions Net=-1 | Growth EPS=+12.8% | Growth Revenue=+4.7%
P/E Forward = 9.7752
P/S = 3.0229
P/B = 1.4063
P/EG = 1.75
Revenue TTM = 4.33b USD
EBIT TTM = 728.2m USD
EBITDA TTM = 1.05b USD
Long Term Debt = 790.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 689.0m USD (from shortTermDebt, last quarter)
Debt = 1.45b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.45b USD (from netDebt column, last quarter)
Enterprise Value = 10.33b USD (8.88b + Debt 1.45b - (null CCE))
Interest Coverage Ratio = 0.59 (Ebit TTM 728.2m / Interest Expense TTM 1.24b)
EV/FCF = 17.25x (Enterprise Value 10.33b / FCF TTM 599.1m)
FCF Yield = 5.80% (FCF TTM 599.1m / Enterprise Value 10.33b)
FCF Margin = 13.84% (FCF TTM 599.1m / Revenue TTM 4.33b)
Net Margin = 19.24% (Net Income TTM 833.2m / Revenue TTM 4.33b)
Gross Margin = 65.31% ((Revenue TTM 4.33b - Cost of Revenue TTM 1.50b) / Revenue TTM)
Gross Margin QoQ = 67.09% (prev 64.05%)
Tobins Q-Ratio = 0.14 (Enterprise Value 10.33b / Total Assets 75.35b)
Interest Expense / Debt = 20.57% (Interest Expense 297.9m / Debt 1.45b)
Taxrate = 16.05% (44.7m / 278.6m)
NOPAT = 611.3m (EBIT 728.2m * (1 - 16.05%))
Current Ratio = 0.20 (Total Current Assets 5.41b / Total Current Liabilities 27.52b)
Debt / Equity = 0.23 (Debt 1.45b / totalStockholderEquity, last quarter 6.25b)
Debt / EBITDA = 1.38 (Net Debt 1.45b / EBITDA 1.05b)
Debt / FCF = 2.42 (Net Debt 1.45b / FCF TTM 599.1m)
Total Stockholder Equity = 6.03b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.12% (Net Income 833.2m / Total Assets 75.35b)
RoE = 13.82% (Net Income TTM 833.2m / Total Stockholder Equity 6.03b)
RoCE = 10.68% (EBIT 728.2m / Capital Employed (Equity 6.03b + L.T.Debt 790.0m))
RoIC = 8.58% (NOPAT 611.3m / Invested Capital 7.13b)
WACC = 10.30% (E(8.88b)/V(10.33b) * Re(9.16%) + D(1.45b)/V(10.33b) * Rd(20.57%) * (1-Tc(0.16)))
Discount Rate = 9.16% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.16%
[DCF Debug] Terminal Value 68.67% ; FCFF base≈544.0m ; Y1≈503.6m ; Y5≈457.1m
Fair Price DCF = 64.28 (EV 5.67b - Net Debt 1.45b = Equity 4.22b / Shares 65.7m; r=10.30% [WACC]; 5y FCF grow -9.35% → 2.90% )
EPS Correlation: -1.56 | EPS CAGR: 6.41% | SUE: 1.93 | # QB: 5
Revenue Correlation: 81.46 | Revenue CAGR: 15.57% | SUE: 2.38 | # QB: 1
EPS next Quarter (2026-03-31): EPS=3.20 | Chg30d=+0.280 | Revisions Net=+0 | Analysts=5
EPS current Year (2026-12-31): EPS=14.11 | Chg30d=+0.668 | Revisions Net=+2 | Growth EPS=+15.9% | Growth Revenue=+7.6%
EPS next Year (2027-12-31): EPS=15.92 | Chg30d=+0.558 | Revisions Net=-1 | Growth EPS=+12.8% | Growth Revenue=+4.7%